Feespeak

Many banks have started charging customers a fee, some up to $5 if you use their human teller. Some banks will allow you a 1 time per month person to person contact. This was a simple business decision made on the part of management to encourage customers to utilize electronic banking services such as ATM’s and banking by phone. This move prompted quite an annoyance to many bank customers. The national media feasted on the event and created animosity between the reminiscent, way-things-used-to-be-folk, and the net-surfing, need it in a hurry, “can’t you do that any faster” customers.
Banks say they have learned that automation, computerization and electronic banking, though intimidating to many, is not only cost effective but more efficient and fool-proof than ordinary human tellers.

“Since many of us refuse to deposit our paycheck, withdraw money or make a loan payment through the ATM, banks are forced to raise fees because it costs a lot of money to continue paying a human workforce for tasks that could be executed electronically”. Says Mark Webb, CFO of First National Bank.

This has created 18 Billion dollar problem that consumers failed to recognize. Online, Automated, Phone, Electronic whatever you want to call it banking misleads and even encourages customers from checking their paper statements and reconciling their accounts every month. I would go as far as saying the “can’t you do that any faster” customer do not even open their monthly paper statement.

This leaves the banks the perfect opportunity for unethical and unfair business practices. I’m sure at this point you are asking how. As you can know if you are following my research on bank fees, I’m about to tell you.
By failing to open your paper statement, you miss the opportunity to rummage through your home looking for your grandmothers reading glass (magnifying glass for you youngsters) and reading those thin, slick little inserts laced with changes bank in your bank’s procedures. Such as Fee increases. By pushing electronic banking down your throat they also encourage you to just “check your balance” everyday and go from there. I have actually called a bank over fee issues and my inability to keep up with the lightening speed they deduct them from your bank account, and had a teller say to me “don’t you check your balance online every morning.”

What Do Resorts Offer That Typical Hotels Do Not?

When booking a vacation or trip where sleeping arrangements will be needed it is often hard to decide what sort of accommodation to use. Many resorts boast all-inclusive accommodation but what does this mean? Is it the best option for the price or are there better options available depending on the travel arrangements?

From the warm and beautiful resorts to the mountain accommodation there is a destination out there for everyone. All of them boast top of the line accommodation to bring in guests from around the globe but the amenities they offer can vary greatly and, depending on preferences, it helps to know the major differences between a resort and hotel some of the entities that each of them are offering their guests.

The term hotel is a broad term meaning several different lodging types. Bed and breakfast, motel, lodge, boarding house, etc. can all mean a type of hotel. A hotel is an establishment offering the basic accommodation for sleeping and sometimes eating. Hotels can typically be paid for by the night, though some prefer that guests stay the weekend if booking on a Friday or Saturday night. Hotel’s space can vary from the very basic to some of the most luxurious. Some hotels will have swimming pools, some will have hot tubs or saunas, they can also have restaurants and spas, although these are typically a great deal smaller than those of a resort.

Resorts are very often all-inclusive, but this can mean a variety of things. Most often a resort has swimming and hot tub amenities, sometimes a spa, and a restaurant. Resorts are typically destination locations meaning that is where the traveler is intending to travel to rather than it being a stop along the way. Most tourists rarely, if ever, leave a resort as many of them have everything that they could ever want. Many have shopping centers, bars, restaurants, and spas. Some even have water parks or other major attractions for families. Typically, if a resort is not outfitted with more extravagant amenities they are very close to towns or cities that do have them so there is very often no reason for travelers to go far from the resort.

As far as price both hotels and resorts prices can range from very affordable to very expensive. Depending on the rating of the hotel and resort or the amenities they offer their prices can vary greatly. Sometimes travel agencies or resorts will offer “all-inclusive” packages but it is important that travelers understand exactly what these packages entail, especially if needing to travel within a budget.
Knowing what some of the differences between hotels and resorts will help travelers decide what type of place they wish to use.Sleeping arrangements and amenities and basic places mean different things to different establishments so being ready ahead of time can increase the likelihood that one with their choice. From beautiful resorts to the ski lodges there is an ideal away from home accommodation for everyone, it just comes down to knowing what someone is looking for, and maybe calling ahead to double-check. Whether traveling for business or vacation people will be doing themselves a favor if they take the time to figure out just what they want and need from their place. If the establishment does not have amenities that they said they did or advertised then say something to the staff. Often they cannot accommodate everyone but if it causes you an inconvenience they will often give a discount on this or future visits.

What An eCommerce Consultant Can Do For You

The internet has created endless opportunities for businesses and many have turned to the web to make contact with their target markets. Building an eCommerce is of course bound to be a great success, but it is not always as easy as it might sound. Success relies on planning, strategies and expertise and sometimes you might not have all it takes to take your business to the next level. Luckily, you can rely on eCommerce consultants to offer you solutions that make a difference for your business. eCommerce service providers offer a number of services that suit your needs from all angles.

Business model planning – Planning your business model is one of the things that you cannot overlook when starting. It is very important to have objectives and strategies you can use to reach your goals and model planning plays a huge role in that. Your eCommerce consultant can help you with detailed planning of a business model that’s bound to win.

eCommerce website design – Your eCommerce site plays a huge role in representing your brand and giving your users or customers the most pleasant experience when using it. A professional consultant can help you with designing a professional and fully functional site both for B2C and B3B purposes.

Development of management systems – eCommerce involves lots of online transacting and business engagements, making management systems very important to make the processes easier between you and your customers or visitors. Consulting companies will ensure that your business is served with the most suitable management systems to keep everything in order for you.

Payment gateway solutions – Conducting business online means that you will offer purchase possibilities online and for that you need to come up with the best payment gateways for the products you sell. The gateways ought to be safe and secure and reliable and your service provider can help you avail the best solutions to your customers without putting the online transactions at risk.

M-commerce solution – eCommerce is now so much more than just a computer experience. More and more people are now relying on their mobile devices to make purchases and you cannot ignore this growing group or you will miss out on great sales opportunities. When you hire an eCommerce consultant, you will enjoy the development of easy to use mobile solutions to reach all your targets even on the go.

Social commerce – Social media networking has taken center-stage and offers a very good platform to take your business higher in terms of sales. It is however one thing to create your business profile and quite another to use it effectively for your eCommerce objectives. A consultant will help you use effectively popular social platforms such as Facebook and Twitter to grow the business.

Other solutions that an eCommerce consultant can offer are accounting solutions, CRM, building affiliates, franchise, multi channels and resellers, full proof marketing and internet marketing as well as back office management system development among many others.

eCommerce consulting can make a huge difference for your business. Chitrangana is India’s leading eCommerce consultancy firm. Through extensive planning, research and thoughtful implementation, they can help you achieve excellence in eCommerce, marketing and digital businesses.